businesses were shut. in long beach, a new 2.2-mile ford walk that is supposed to withstand the next storm. >> we have made great problem but that means nothing if you are one of those who is not back if their hope. >> many are still rebuilding, still suffering, sandy cost $65 billion in property damage. only a portion of the $50 billion in federal aid money is happened with new rules put in place after katrina to prevent waste and fraud have slowed the flow of funds. many residents say they are frustrated by paperwork. >> paperwork is filled out, submit this, submit that, by the end, they tell you do not qualify for whatever rope. >> the storm destroyed retire yes' new jersey home. she is building a new one but the $140,000 insurance payout doesn't cover the cost of construction. she and her husband are making tough choices. >> we are using our retirement.